AI-Powered Financing

Turn every deal into a win-win scenario

Approve more buyers and increase your financing capabilities with integrated AI-powered financing.

Leverage the power of AI to win more deals – faster.

Speed up and simplify financing

Speed F&I process with instant approvals, fast deal restructures & automated verification

Present more sellable deals

More accurate credit decisioning and flexible deal structures for buyers and dealers

Improve profitability

Increase front and back-end profits with more finance friendly deal structures

Upstart compliments your current F&I workflow to offer a better lending option. We offer full spectrum lending to find the best financing offer for your car buyer with less friction so you can provide a better buying experience.


Expand your finance offering

Upstart provides another finance channel complementary to your existing F&I workflow to finance more deals faster.

Choose your offer with Upstart AI-Powered Financing
Car buyer using the chat tool on mobile


Decision deals instantly

Obtain approvals in seconds, not minutes to speed up the deal process.


Customize loan offers in real-time

Get access to more financing options with the ability to update deal terms instantly.

Customizing a loan real-time on a tablet with Upstart AI-Powered Financing


Get funded faster

With automated verifications, minimal stips required and the ability to eSign the deal documents — you can close deals faster without the friction

A salesperson hands a car buyer her keys
Anita Diel signature

More loans. More approvals. More profits.

More loans.
More approvals.
More profit.

Increase profits up to


higher back-end gross vs industry average¹

More advance for F&I products up to


LTV with no max backend

Instant approvals

With next day funding

Want to see what Upstart Auto Retail can do for you?

  1. In an internal study, Upstart compared data on Upstart-funded loans through a leading dealer partner from November 2023 to industry data over the course of 2023, sourced from JM&A. Average back-end gross for Upstart-funded loans was $2,533 while the industry average was $1,818.
Going to NADA? Book a meeting and claim your free gift!